Terms of Service

About us

Lovalty is operated by Trading LG Limited, a company registered in England and Wales. Our registered office is in London, United Kingdom. Lovalty provides a loyalty and consumer fintech platform that connects consumers with merchant partners through rewards, cashback, and financial services.

If you have any questions about these Terms, you can contact us at office@lovalty.com.

Accessing our website

Our website and Services are made available free of charge for general browsing purposes. We do not guarantee that our Services, or any content on them, will always be available or uninterrupted. We may suspend, withdraw, or restrict the availability of all or any part of our Services for business or operational reasons.

You are responsible for ensuring that all persons who access our Services through your internet connection are aware of these Terms and comply with them. You are also responsible for making all arrangements necessary for you to have access to our Services, including a suitable internet connection.

Account registration

To access certain features of our Services, you may be required to create an account. When registering, you agree to:

• Provide accurate, current, and complete information during the registration process.
• Maintain and promptly update your account information to keep it accurate, current, and complete.
• Keep your login credentials confidential and not share them with any third party.
• Accept responsibility for all activities that occur under your account.
• Notify us immediately if you suspect any unauthorised use of your account or any other breach of security.

We reserve the right to disable any account at any time if, in our reasonable opinion, you have failed to comply with any of these Terms.

Use of our Services

Our Services enable you to participate in loyalty reward programmes, earn and redeem rewards, access cashback offers, and utilise other financial services features provided through our platform. The specific terms applicable to each service or product may be set out in separate agreements or product-specific terms.

You agree to use our Services only for lawful purposes and in accordance with these Terms. You must not use our Services in any way that breaches any applicable local, national, or international law or regulation.

Intellectual property

All intellectual property rights in our Services, including but not limited to the website design, text, graphics, logos, icons, images, audio clips, software, and the selection and arrangement thereof, are owned by or licensed to Trading LG Limited. These rights are protected by copyright, trademark, and other intellectual property laws.

You may view, download, and print content from our website for your own personal, non-commercial use, provided that you:

• Do not modify any content in any way.
• Do not use any illustrations, photographs, video, or audio sequences separately from accompanying text.
• Acknowledge us as the source of the content and include our copyright notice.

You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us.

User content

Where our Services allow you to submit, upload, or share content ("User Content"), you retain ownership of your intellectual property rights in that content. However, by submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, transferable licence to use, reproduce, distribute, and display that content in connection with operating and providing our Services.

You are solely responsible for your User Content and represent that:

• You own or have the necessary rights and permissions to use and authorise us to use your User Content.
• Your User Content does not infringe the intellectual property rights, privacy rights, or any other rights of any third party.
• Your User Content does not contain any material that is defamatory, obscene, offensive, hateful, or inflammatory.

We reserve the right to remove any User Content at our discretion and without notice.

Prohibited uses

You agree not to use our Services for any of the following purposes:

• Any unlawful purpose or in any way that violates applicable laws or regulations.
• To send, knowingly receive, upload, download, or use any material that does not comply with these Terms.
• To transmit or procure the sending of any unsolicited or unauthorised advertising, promotional material, spam, or similar solicitation.
• To knowingly introduce viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful.
• To attempt to gain unauthorised access to our Services, the server on which our Services are stored, or any server, computer, or database connected to our Services.
• To conduct any systematic or automated data collection activities, including scraping, data mining, or data extraction.
• To impersonate or attempt to impersonate Lovalty, a Lovalty employee, another user, or any other person or entity.
• To engage in any activity that interferes with or disrupts the Services or the servers and networks connected to the Services.

Third-party links

Our Services may contain links to third-party websites, services, or resources that are not owned or controlled by Lovalty. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

The inclusion of any link does not imply endorsement, approval, or recommendation by us. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

Disclaimers

The content on our Services is provided for general information purposes only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Services.

Although we make reasonable efforts to update the information on our Services, we make no representations, warranties, or guarantees, whether express or implied, that the content is accurate, complete, or up to date. Our Services are provided on an "as is" and "as available" basis without any warranties of any kind.

We do not guarantee that our Services will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes, and platform to access our Services and for using your own virus protection software.

Limitation of liability

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to our Services or any content on them, whether express or implied.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with:

• Use of, or inability to use, our Services.
• Use of or reliance on any content displayed on our Services.
• Any indirect or consequential loss or damage.
• Loss of profits, sales, business, or revenue.
• Loss of business opportunity, goodwill, or reputation.
• Loss of anticipated savings.
• Loss of data or corruption of data.

Indemnification

You agree to indemnify, defend, and hold harmless Lovalty, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use of and access to our Services.
• Your violation of any provision of these Terms.
• Your violation of any third-party right, including any intellectual property, privacy, or proprietary right.
• Any claim that your User Content caused damage to a third party.

Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

Upon termination, your right to use our Services will immediately cease. If you wish to terminate your account, you may do so by contacting us at office@lovalty.com.

All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Governing law

These Terms, their subject matter, and their formation are governed by the laws of England and Wales. You and we both agree that the courts of England and Wales will have exclusive jurisdiction, except that if you are a resident of Northern Ireland, you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision of these Terms shall not be considered a waiver of those rights.

Changes to these terms

We may revise these Terms at any time by amending this page. Please check this page from time to time to take notice of any changes we make, as they are binding on you. We will make reasonable efforts to notify you of any material changes, for example by posting a notice on our website or sending you an email.

Your continued use of our Services after any changes to these Terms constitutes your acceptance of the revised Terms.

Contact us

If you have any questions about these Terms of Service, please contact us:

• Email: office@lovalty.com
• Post: Trading LG Limited, London, United Kingdom